乳酪, pronounced ru3 luo4 (not lao4) in Taiwan, is kind of the official technical term for cheese, it would be on an ingredients list, for example, but this term is not commonly used in casual speech, except where it's part of the name of some dish and in those cases it seems to mostly refer to cream cheese.
奶酪, pronounced nai3 lao4 here, in Taiwan doesn't mean cheese, it refers to a panna cotta-style milk pudding. You can google 奶酪 and check the images.
芝士 Is also found on many labels, like 芝士麵包, but I've never personally heard anyone say it out loud. I'm pretty sure I've seen people read or "translate" that into qi3shi4. Might even be an alternate reading of the first character.
Most common way to refer to cheese in informal speech and in a lot of informal writing, like menus, is 起司 qi3 shi1, occasionally 起士 qi3 shi4. That's what the vast majority of Taiwanese know cheese by.
Not sure how those terms are used in other counties though.